SmartFinancial, Inc. (SMBK)

NYSE: SMBK · Real-Time Price · USD

52.96

-0.15 (-0.28%)

Jul 29, 2026, 4:00 PM EDT - Market closed

SmartFinancial Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	200.23	192.71	166.35	149.38	161.2	135.71
Revenue Growth	11.88%	15.84%	11.36%	-7.33%	18.78%	26.11%
Net Income	57.39	50.35	36.14	28.59	43.02	34.79
Earnings Per Share	3.39	2.98	2.14	1.69	2.55	2.22
EPS Growth	37.25%	39.25%	26.63%	-33.73%	14.87%	37.04%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	379.39	928.83	775.14	704.54	532.85	2,090
Total Debt	98.81	98.66	39.68	42.1	42.02	41.93
Net Cash (Debt)	-98.81	-98.66	-39.68	-42.1	-42.02	-41.93
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-5.84	-5.84	-2.35	-2.49	-2.49	-2.67

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	63.8	61.72	52.7	39.72	56.79	46.18
Capital Expenditures	-7.66	-2.39	-6.41	-6.27	-12.49	-2.38
Free Cash Flow	56.13	59.34	46.3	33.45	44.31	43.81
Free Cash Flow Growth	1.16%	28.17%	38.42%	-24.51%	1.14%	85.38%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	35.45%	31.91%	27.33%	24.25%	34.06%	32.66%
Profit Margin	28.66%	26.13%	21.73%	19.14%	26.69%	25.64%
FCF Margin	0.00%	30.79%	27.83%	22.39%	27.49%	32.28%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.360	0.320	0.320	0.320	0.280	0.240
Dividend Per Share Growth	6.25%	0%	0%	14.29%	16.67%	20.00%
Dividend Yield	0.68%	0.88%	1.04%	1.32%	1.03%	0.87%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	15.62	12.41	14.48	14.49	10.78	12.32
Forward PE	13.38	11.49	14.15	14.27	9.28	12.99
P/FCF Ratio	16.13	10.62	11.33	12.44	10.49	10.49
PS Ratio	4.43	3.27	3.15	2.79	2.88	3.39